Cost of Living in Sergeant Bluff, IA

With a cost of living index of 92, Sergeant Bluff, IA is slightly more affordable than average. Living here is 8% cheaper than the national average and 21% above the Iowa state average of 71. Sergeant Bluff is a smaller community of 5,090 residents, where everyday costs can differ substantially from nearby larger cities.

Housing costs are the biggest factor in Sergeant Bluff's cost of living. The median monthly rent is $1,232 (7% below the US median of $1,319), and the median home value sits at $287,600 (6% below the national median of $304,900). At current prices, the median home costs roughly 2.3x the median household income — well within traditional affordability guidelines.

The median household income in Sergeant Bluff is $122,610, which is 63% higher than the national median of $75,149. Residents spend roughly 12% of household income on rent. This is a comfortable ratio, well below the 30% threshold that financial experts recommend as a maximum.

Climate is another factor for anyone considering a move to Sergeant Bluff. The area sees an average annual temperature of 48.4°F, with summers averaging 72°F and winters around 23°F. Annual rainfall totals 29.3 inches spread over roughly 102 days. Cold winters mean higher heating bills, an important cost-of-living consideration.

Everyday prices in the Sioux City, IA-NE-SD (Metropolitan Statistical Area) metro area are generally below the national average. Out of 6 common items tracked by the Bureau of Labor Statistics, 6 are priced lower than the US average. These real-world prices — from groceries to electricity — add up and should be factored into any cost of living comparison.

Data sources: US Census Bureau (ACS 2023), Zillow Home Values, HUD Fair Market Rents, BEA Regional Price Parities, BLS Average Prices, and NOAA Climate Normals. Updated monthly.